Date Received: 2023-03-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account the company has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/2023 To Whom It May Concern, I am writing because Citibank closed a regular checking account I recently opened with them without notice and will not return XXXX that was in the account to me for at least sixty to ninety days. Additionally, my last conversation with bank representatives cast doubt on both the method they would be using to return these funds as well as the amount that would be returned. In short, although I have spent many hours talking with various Citibank representatives, I can not get a straight answer from Citibank as to why they did this or exactly how I am going to get my money back. Additionally, this money represents all of my liquid savings and not having access to it for several months is a hardship. Citibanks only communication with me was after the account was closed in the form of a standardized email stating that my account had been closed because I had broken their user agreement. This is false. This account was new and I have had only a few very standard transactions with Citibank. At first, Citibank representatives said that a paycheck from the XXXX XXXX where I work was flagged and that this was the issue. Later conversations, however, showed that this check had cleared. The new reason given was that there was an issue with my initial deposit with Citibank from my old bank, XXXX XXXX XXXX However, any issue with this deposit seems to have been caused by an error on Citibanks part as documented in both their records as well as in the final statement from my previous bank, XXXX XXXX XXXX the bank from which I made the initial deposit into this account. Copies of both bank statements are attached for your review. According to records from XXXX XXXX XXXX after I made my first deposit into the new Citibank account a transfer of {$12000.00} on XX/XX/2023 Citibank returned the entire deposit to XXXX XXXX XXXX on XX/XX/2023 for some unknown reason. The following day I noticed that my balance at Citibank was XXXX and assumed the transfer hadnt gone through. There was nothing to indicate anything was pending and there had been no communication from either bank, so I made the transfer request again on XX/XX/2023. This time the transfer worked and everything seemed fine for the next few weeks. This activity is all reflected in the attached final statement from XXXX XXXX XXXX XXXX Citibanks records differ from XXXX XXXX XXXX and seem to reveal they made an error by initially crediting me with a double deposit on XX/XX/2023 something clearly not reflected XXXX XXXX XXXX records which show I made exactly one deposit to Citibank on that date for {$12000.00}. Citibank then lists a debit of {$12000.00} from something called XXXX XXXX XXXX XXXX ( XXXX ) on XX/XX/2023 clearly impossible as XXXX XXXX XXXX received the return of my initial deposit two days earlier on XX/XX/2023. It was only after seeing a XXXX balance in my account that I made a second request for a transfer on XX/XX/2023 as reflected in the XXXX XXXX XXXX statement. I then closed out my account at XXXX XXXX XXXX. Shortly thereafter, Citibank closed my account without warning or valid reason and is holding my funds for an unreasonable amount of time. This extreme action was unnecessary as Citibank could have frozen the account for a short time and contacted me and a brief investigation would have cleared up this matter in a short period of time. Instead, Citibank took actions which have prevented me from accessing all of my liquid savings for a long period of time, causing me great hardship. I would be grateful if your agency could help me sort this out and possibly convince Citibank to release my funds ASAP, the total of which should be XXXX in the form of a certified check. Thanks for your help. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10128
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: It was around beginning of XX/XX/XXXX when I realized I could no longer access my account online, and a few days later received a letter saying that Citibank has closed my account ( for reasons unknown? ) and therefore my card has been disabled and I no longer have access to my account. I asked about the funds remaining in the account ( XXXX roughly ) and they said that they would be issuing a check after 60 days. They told me to call back after XX/XX/XXXX to confirm this. After waiting and not seeing or hearing anything about my balance I called back on XXXX they told me that they didnt have any information on my account and I needed to call them back next week as some of the department wasnt in the office. I even went in to a physical branch location and they said they could not help me and that I had to call the number on the back of my card. I have tried several more calls and just getting the runaround, no one can tell me anything and as my last call 2 weeks ago they said wait you will be receiving a letter from us regarding the status but as of today theres been no letter from them and still no one can tell me what happened with my balance and how I can get my money back. Please help me sort this thing out ASAP Im at my wits end with this issue as I really need my money back Im not a rich person and that money I was relying upon for bills etc. please let me know what else you need from me to resolve the problem with this checking account that was closed by Citibank and will not give me my money that was remaining in the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91335
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/2023 a citi bank manager racially profiled me and put a block on my account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10459
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Problem getting a card or closing an account
Subissue: Trouble closing card
Consumer Complaint: A fraudulent card was put in my name. I want every receipt with camera footage to prove that card debt belongs to me. So take that off my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48503
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I made 4 different order transactions online purchases at XXXX on XXXX XXXX. They were is listed here ; first transaction for {$48.00} for jeans, second transaction for {$48.00} for jeans, third transaction for {$48.00} for jeans, and fourth transaction for {$48.00} for jeans. They were is listed here ; 1st transaction for {$48.00} for jeans, 2nd transaction for {$48.00} for jeans, 3rd transaction for {$48.00} for jeans, and 4th transaction for {$48.00} for jeans. On XX/XX/XXXX I returned three of the orders and on XX/XX/XXXX I returned the fourth order for the jeans at my local XXXX store and was given four separate receipts showing the returns and that they would be credited to my Citibank XXXX ending in XXXX for each of the returned orders. I have had to open a dispute with Citibank for each of these charges, because Citibank was not crediting the return credits that XXXX had sent to them. I have had to open a dispute with Citibank for each of these charges, because Citibank was not crediting the return credits that XXXX had sent to them. I have screenshot showing where Citibank notified me by text and notifications that XXXX in deed sent them the credits. However, Citibank was not posting the credits to my account so far three of the disputes have been resolved but now 1 has been reversed for {$48.00} and 1 of the disputes had been reopened and reversed twice. So now Citibank owes me for two of the disputed transactions. They keep giving me conditional credit and then reversing them Even though they have all the receipts that I have sent them showing proof that I am owed these credits for these returned merchandise. They just keep asking me to send them the same receipts that I sent to them previously but do nothing. They dont return phone calls and they are charging back to my credit card these reversed conditional credits that were given in the dispute process. They have given the conditional credits several times and reverse them several times, and are so confused as to what is going on they just keep making a mess of everything that no one can understand and the dispute department. I initially filed a complaint with CFPB and Citibank executive team about the one credit that I was missing and they promised that they saw the error that happened and would credit my account. I Believe they did this, just to get CFPB to close the case. And after it was closed, a conditional credit was given on a re-open dispute, but then reversed. Also, they have reversed another one of the disputes that I had for {$48.00} that was settled. I have contacted the city executive team several times and have been told that I would get a call back within 24 to 48 hours yet no one has called back since XX/XX/XXXX and today is XX/XX/XXXX and so i called again and they said the same thing. The analyst XXXX and XXXX handling my cases is never in and never returns phone calls. The executive team ofc at Citibank just likes to keep opening case numbers and taking messages but that is the extent of it. I have to keep opening disputes on returns in order to get my money back especially from retailers XXXX and XXXX XXXX. It is not these retailers fault as far as i can see because XXXX have Screenshots of where the credits are coming into Citibank but not being applied. Please assist me in getting the amount owed to me which is {$48.00} for one return and {$48.00} for the other return that they have reversed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: TIMELINE : XX/XX/XXXX : My Citibank account statement for card ending in XXXX, indicated a charge to XXXX XXXX in XXXX XXXX, CA. for the amount of {$170.00}. XX/XX/XXXX : I contacted the XXXX XXXX store by phone. The manager stated he had no record of the charge. XX/XX/XXXX : I contacted Citibank and notified them of the fraudulent charge. My credit card ending in XXXX was cancelled, and Citibank sent me a replacement credit card. XX/XX/XXXX : Per Citibank request, I completed and emailed the standard dispute form ( attached ). Citibank also provided a receipt from the vendor, which is also attached. It is important to note that the XXXX XXXX receipt indicates that this was an online order ( i.e., my credit card was not physically presented ), and the customer phone number as well as the customer email address are not mine. I do not live in California, I received no merchandise, and I did not authorize anyone to use my credit card. Alas, Citibank has declined my request to credit my account the {$170.00} for which I am owed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96753
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Citi bank charged my card {$95.00} for annual fee on XXXX, XXXX, 2022 and then closed my account on XX/XX/2022. The annual fee was paid for enjoying the benefit of the card. So if they close my account, that is their responsibility to refund me the annual automatically. It does not make any sense they expect me keep checking my account after the account was closed to see if they had refunded me or not. If I forget to check it, they just refuse to refund me due to passing the limit time? Again, that is their responsibility to refund the customer AUTOMATICALLY if they can not continually provide the service what the customer paid for. It is not the customer 's responsibility to keep tracking it. Is this the way how they keep the money they charged the customer without providing service and benefits? It does not make any sense.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98008
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am writing to file a complaint with the Consumer Financial Protection Bureau regarding a creditor that has violated the " Consumer Reporting FAQs Related to the CARES Act and COVID-19 Pandemic. '' My name is XXXX XXXX XXXX, and my contact information is as follows : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX On [ XXXX 2020 ], Macy 's took the following actions that violate the Consumer Reporting FAQs related to the CARES Act and COVID-19 pandemic : reported Late payment during the Covid-19 pandemic. As a result of these actions, I have suffered a big drop in credit scorXXXX, which in return affected my chance in renting apartment and financing a car later on.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Other transaction problem
Subissue:
Consumer Complaint: This is a bank to bank transaction issue. I am trying to retrieve my money. On XX/XX/XXXX, I opened a checking/saving account with Citibank, and my husband transferred {$10000.00} and {$15000.00} from his XXXX XXXX account to this new Citibank account on XX/XX/XXXX and {$49000.00}, and {$500.00} on XX/XX/XXXX. All of the transactions went successfully to my account and the funds were reflected in my account balance. However, Citi suddenly closed my account after the fourth transfer, alleging fraud despite no such claims from XXXX or from us. Then I contacted Citibank, asking Citibank to return the money back to the sender 's account. but their agents provided inconsistent responses. Initially, an agent said that the funds would be mailed to us via check within XXXX to 60 days after the account 's full closure. However, another agent denied this and directed us to file a claim with XXXX XXXX, then we contacted XXXX XXXX, XXXX has filed a Reversal of Transaction claim to Citi, but Citi rejected this claim. Then Citi bank was asking a " Hold Harmless claim '' from XXXX XXXX, saying that this is the only way to retrieve the money. However, XXXX XXXX declined to file this claim as it goes against their policy, which only allows for a Reversal of Transaction claim in this situation. We've made over 10 calls to Citibank, each lasting more than two hours, we also tried escalating to a supervisor, and the supervisor refused to answer our call and did not call back. Despite more than two months passing, Citi Bank still hasn't returned the money, and we're losing interest daily. Citi Bank still refuses to offer an alternative solution, insisting that XXXX XXXX needs to file a Hold Harmless claim. As a result, we feel that Citi Bank is treating us unfairly and that there is no way for us to retrieve our money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 981XX
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A